They mess around and draw the wrong card.. or shall we say the right card and the only case they're going to be busy filing is bankruptcy real quick.

I have friends in Canada also who are not entirely content with their system but in their own words "at least we're not in the US to worry about coverage at any time and to be on the brink of personal bankruptcy (caused by medical bills) should we decide to change a job to one without benefits or God forbid lose our job".

If lower earners also have active collections, recent bankruptcy, high balances with slow pays, you need to weigh that against the high earner/great credit report.

One real estate investment club that I'm familiar with has had every leader since its inception either declare bankruptcy, had foreclosures or both; sort of the curse being a baby guru?

They want to sign a 2 year lease but have a bankruptcy on their past records (which she was very forthcoming about), how do you all feel about bankruptcies?

Money in your Roth IRA provides some protection from bankruptcy and legal settlements.

They seemed very kind and easy to talk to them.Now, the background check results:Credit Score: 470 & 525 (bad credit due to bankruptcy in 2008 due to medical procedure)W-2 Income (combined): $4,800 with long job history (10+ years)Debt:     - $55,000 with $7,000 past due (all debt is in education loans, $7,000 past due because they were trying to get loan forgiveness and they didn't end up qualifying)    - No credit card / auto debtCriminal history: one of them has no criminal history, the other has 1 first degree assault (not prosecuted) and a second degree assault from 2012.So, couple of questions:1.

The number one cause of bankruptcy in the US is due to medical bills.

Had a serious accident about a year ago which caused her to need to file bankruptcy and get foreclosed on (layed up for almost 9 months).

Right now, you go ahead as if she is not in bankruptcy, with the eviction process, that is not in bankruptcy court.